Check out “Insurance Company Rules” – a collaboration between Health Care For America Now (HCAN) and Public Service Administration (PSA).
You can read more at:
http://www.HealthCareForAmericaNow.org
Duration : 0:1:42
It all seems ridiculously confusing to me. Seems cost prohibitive in most cases but I can’t get it from work.
The best way to compare is through a local agent that works with all the major companies in your area. The agent can explain what is covered and, more importantly, what is excluded with all the policies. With health insurance you get what you pay for. If you shop price you will get burned, maybe not this year but sometime in the future. The agent will find the best policy for your situation and budget. There is no extra charge using an agent.
Do not try to do this over the internet. It’ll take you several days to intelligently compare all the plans available. Also, if you have any pre-existing conditions that might add a rider to the policy, cause you to be declined, or if you are out of the height and weight guidelines you won’t know until you’ve applied and gone through the underwriting process.
I was rear ended while driving a company vehical and now I am on workers compinsation, I’ve been out of work for almost 6 months with total disability, today my employer said the are canceling my heath insurance. Can they do that? this is in New York.
My employment was not terminated, I just hurt and Dr. won’t let me work.
I am not familiar with the laws of NY. However, in OK if I have a new group to enroll, and an employee is off on a WC claim, I must get a signed, completed enrollment form from that employee either accepting or declining the coverage. They are still considered an active employee even though they are off on a WC claim here. This is because it is not the employee’s fault that they were hurt on the job. However, the employee may still have to pay part of the health insurance premium.
Contact your state Insurance Commissioner’s Office. They can tell you what the laws of NY are about that situation.
President Obama tells the crowd in St. Louis, MO that the time is now to pass health insurance reform and announces new plans to rein in waste and abuse in Medicare, Medicaid and other government health programs.
Duration : 0:38:17
What forms do I need, what website has the specifics?
Health insurance is a possible deduction only if you pay the premiums out of pocket. If the premiums are paid through your employer, they are taken out of your pay before taxes, and no deduction is possible.
If you pay your own premiums with after tax dollars, and you are not self-employed, you deduct the premiums on Schedule A of Form 1040 as a medical expense. All medical expenses have to total more than 7.5% of your adjusted gross income in order to get a deduction. You deduct the difference of your expenses minus 7.5% of your adjusted gross income. Unless you have rather high medical expenses, it is difficult to deduct these expenses.
Moreover, the sum of all your Schedule A deductions must be greater than your standard deduction in order for Schedule A to do you any good.
If you are self-employed you can deduct 100% of your (and your spouse and dependent) health insurance premiums from your net earnings from self-employment. This is done on Schedule C of Form 1040.
All this is explained in the instructions to Form 1040. Here is the link
http://www.irs.gov/pub/irs-pdf/i1040.pdf
Complete video at: http://fora.tv/2008/09/16/The_Future_of_Health_Care_The_Candidates_Plans
Daniel Kessler and E. Richard Brown, Health Advisors to the John McCain and Barack Obama Presidential campaigns, respectively, discuss why neither candidate supports a single-payer insurance system for the United States.
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Health care is a major issue in the current presidential campaign. Candidates Barack Obama and John McCain have laid out very different visions, and each believes his plan is best for our nation’s citizenry.
Come learn about each plan from the top policy advisors of each candidate, and take the opportunity to ask your own questions and get answers – The Commonwealth Club of California
Daniel Kessler is a senior fellow at the Hoover Institution. In addition to his Hoover appointment, he is an associate professor at the Graduate School of Business at Stanford University, where he teaches courses on economics, public policy, and the health care industry. Among his recent publications are, with Mark McClellan, The Effect of Hospital Ownership on Medical Productivity, forthcoming in the RAND Journal of Economics, and Designing Hospital Antitrust Policy to Promote Social Welfare, which appeared in Frontiers in Health Policy Research. He is the holder of a Ph.D. in economics from the Massachusetts Institute of Technology and a J.D. from Stanford Law School.
Dr. E. Richard Brown is a professor at the UCLA School of Public Health and the founder and director of the UCLA Center for Health Policy Research. He received his PhD in sociology of education from the University of California, Berkeley.
Dr. Brown has studied and written extensively about a broad range of issues and policies that affect the access of disadvantaged populations to health care. His recent research focuses on health insurance coverage, the lack of coverage, and the effects of public policies, managed care, and market conditions on access to health services, particularly for disadvantaged populations, ethnic minorities, and immigrants. Dr. Brown and the Center’s studies of health insurance coverage, uninsurance, and eligibility for public programs have been used by California’s governors, legislators, and advocates in crafting health insurance legislation and programs.
Duration : 0:4:2
In may i got accepted into the nursing program. In order to be in the program you have to get a medical evaluation. I do not have health insurance and i spent 500 at the doctors. Can i write that off on my taxes for school purposes?
Maybe. IF you itemize, you can deduct as an itemized deduction the amount of your med expenses for the year that is over 7.65% of your income. And itemizing gives you no tax benefit unless you have tax liability for the year.
Unless you have a lot of other medical expenses, the $500 isn’t going to give you any tax benefit.
how can I find out if someone is billing my healt insurance for services she has not recived. I know there is alot of fraud in this department worldwide but is there a way to prove. This woman is supposed to be helping my child and she has not. She said that my insurance no longer covers her in her practice, But she has barely seen my child..I need to know how can I find out?
Your insurance company sends you an Explanation of Benefits (EOB) for every claim that they receive. Those are important documents – 1) it helps you make sure that the bills you receive from your doctors are accurate and 2) if a claim goes through for services you never received, then you can notify your insurance company. Every insurer’s EOB has a phone number listed on it – sometimes they even have a separate fraud and abuse prevention #.
If you don’t pay attention to your EOBs when they come in the mail, you can always call your insurance company – they can either reprint your EOBs, print a report for you showing what claims have come through under your account, or verbally review them with you on the phone. Also, many insurers have an option where you can register on their website and see claims processed under your policy.
There are definitely many options where you can confirm what has been billed on your family’s behalf to your insurer. Definitely let your insurer know if your provider is billing for services you/your child never received. Billing fraud drives up the cost of care for everyone. Its only a small minority of providers who are unethical enough to deliberately fabricate services to bill, but those who do that sort of thing unfortunately contribute to driving up the cost of care for everyone.
Hi, I’m Andy and I did all the damage I could being a spokesjerk for Blue Cross Blue Shield.
Now it’s time to move on to the next hugely irresponsible, profit-driven monopoly.
Tell me where I should work next: http://facebook.com/sickforprofit
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Duration : 0:1:23
President Obama debunks the myths around health reform, and discusses the public option proposal in which many of them are rooted. But he focuses his address on the stark moral and historical turning point at which we find ourselves. August 22, 2009. (Public Domain)
Duration : 0:6:34